Bruce Stevenson Prroperty Owners Scheme

SUMMARY OF POLICY COVER

A. Buildings

Cover for loss or damage to Buildings used solely for residential purposes, including outbuildings, garages, swimming pools etc. used exclusively by the residents and up to £5,000 per property for furniture in common parts. We pay for:

Loss or damage caused by fire, explosion, lightning, earthquake, storm, flood, malicious acts, theft, water or oil escaping from fixed domestic installations, subsidence, ground heave or landslip, collision by aircraft, vehicles, trains, animals, falling trees or aerials.

Accidental damage to fixed glass and sanitary ware. Service pipes and cables for which you are responsible.

Up to 20% of the Sum Insured on each Building for loss of your rental income and/or temporary accommodation where a building is made uninhabitable by an insured cause.

Architects’ and Surveyors’ fees as well as the cost of shoring up or demolishing Buildings and extra expenses necessary to comply with the local authority requirements.

B. Unoccupied Properties

Full cover on unoccupied properties for up to 90 days. Accidental damage to the building may also be included.

C. Property Owners Liability

Limit of Indemnity - £2,000,000

D. Contents (Optional)

An important item to add to your Policy if you let furnished accommodation – loss or damage to domestic furniture and fittings belonging to you. We pay for:

Loss or damage caused by fire, explosion, lightning, earthquake, storm flood, malicious acts, theft, water or oil escaping from fixed domestic installations, subsidence, ground heave or landslip, collision by aircraft, vehicles, trains, animals, falling trees or aerials.

If keys are stolen, up to £250 for replacement of outside door locks.

Loss or damage caused by theft or malicious acts of the occupants is covered, subject to Excess.

Additional Voluntary Excess is available.